VA Loans for California Veterans & Active-Duty Service Members
If you’ve served in the U.S. military, the VA loan is almost always the best mortgage on the market. Zero down, no monthly mortgage insurance, and rates that typically beat conventional. UWL is VA-approved and our team has guided hundreds of NorCal veterans through the process since 2009.
VA at a glance
• 0% down payment on most purchases — no minimum required
• No private mortgage insurance (PMI), ever
• Competitive rates, often 0.25%–0.50% below conventional
• 15- or 30-year fixed; ARM also available
• No statutory loan limit for veterans with full entitlement
• Available for purchase, refinance, and cash-out
Who qualifies
Active-duty service members, veterans, National Guard and Reserve members with qualifying service, and surviving spouses of service members who died in the line of duty or from service-connected causes. We’ll help you order your Certificate of Eligibility (COE) at no cost as part of the pre-qual.
One cost to know: the VA Funding Fee
VA charges a one-time funding fee (typically 1.25%–3.3% of the loan) in lieu of monthly PMI. It can be rolled into the loan, paid by the seller, or waived entirely for veterans with a service-connected disability rating.
Why use UWL for your VA loan
VA loan pricing varies significantly between lenders — even for the same veteran on the same property. As an independent broker, we shop your VA file across multiple wholesale VA lenders and lock with the one offering the lowest rate that week. Same-day pre-qualification and full COE assistance.
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